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Conservative Investor

Start investing once you know the risk and returns associated with mutual funds

21-Dec-2010•Value Research

I want to invest Rs 20,000 in mutual funds for a year, which will be the best fund?
-Uday Kant

Mutual funds are not risk free. Equity mutual funds are definitely not meant for a time frame of a year. You are at best left with debt-oriented, conservative hybrid funds. These funds aim to generate monthly income with minimum investments in debt instruments to the extent of 80 percent. Equity and money market instruments can constitute a maximum of 20 per cent of the portfolio. This way, they protect the downside with some upside potential. And, these are efficient compared to bank deposits. However, unlike bank deposits that guarantee the capital, these do not. If you are completely risk averse, mutual funds are not for you at all, especially for the time frame you are considering to stay invested.

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